def predict_fraud(amount, time_hour, transaction_type, merchant_risk, customer_age, previous_transactions):
    score = 0

    if amount > 500:
        score += 25
    if time_hour <= 4 or time_hour >= 23:
        score += 20
    if transaction_type == "online":
        score += 15
    if merchant_risk > 0.6:
        score += 30
    if previous_transactions < 10:
        score += 10

    score = min(score, 100)

    if score >= 60:
        return "Potential Fraud", score
    else:
        return "Likely Legitimate", score